US 2017/0323302 A1 · SECURITY SYSTEMS AND METHODS

Abstract

A personal wireless communication device (PWD) has a data store that stores a first unique code. A registration database, remote from the PWD, receives and stores the first code. The registration database transmits to the PWD a second unique code that is stored in the PWD. A data reader at the PWD reads a third unique code that is carried on a payment card to be authenticated. A code generator at the PWD generates a fourth unique code in response to user input at the PWD. A code generator at the PWD generates a unique encryption key utilising the first, second, third and fourth codes. The PWD encrypts a unique authorisation code using the unique encryption key that it has generated and transmit the encrypted authorisation code to the remote registration database, which decrypts the authorisation code to authenticate the payment card by reference to the authorisation code. Once authenticated, the owner of the PWD transmits authorisation data to a retailer at location C, who in turn sends the authorisation data to the registration database for confirmation, upon receipt of which a transaction can be completed.

Claims15

Dependent claims

A method of authenticating a payment card, between a user of the card and a remote registration location, the method comprising the steps of:

registering at the remote registration location a first unique code of a personal wireless device that is carried by the user;
transmitting a second unique code from the remote registration location to the personal wireless device and storing said second unique code at the personal wireless device;
reading, by means of the personal wireless device, a third unique code that is carried on the payment card;
generating a fourth unique code by user input at the personal wireless device;
generating a unique encryption key at the personal wireless device, utilising said first, second, third and fourth codes;
encrypting a unique authorisation code at the personal wireless device using said unique encryption key;
transmitting the encrypted authorisation code from the personal wireless device to the remote registration location;
decrypting the authorisation code at the remote registration location;
and
authenticating the payment card at the remote registration location by said unique authorisation code.

7 more elements

Dependencies are inferred from the claim text.

Security systems and methods

Life of this patent

Security systems and methods

Life of this patent

Abstract

Claims15